If you've ever researched credit card rewards, you've probably come across a Chase credit card.
Chase credit cards are known for their generous earning rates and strong purchase protections. But not all cards are created equal: Some offer better benefits and rewards than others.
Business Insider's team of personal finance experts reviewed all of the options currently available to bring you this guide to the best Chase credit cards. We reviewed annual fees, benefits, reward rates, and potential drawbacks to help identify the top choices for different types of consumers.
These are the best Chase credit cards you can apply for right now, based on how you spend your money.
Best Chase Credit Cards of June 2025
| Best For | Card | Annual Fee |
| Best for families | Chase Sapphire Preferred® Card | $95 (rates and fees) |
| Best for cash back | Chase Freedom Unlimited® | $0 (rates and fees) |
| Best for reward maximizers | Chase Freedom Flex® | $0 |
| Best for travelers | Chase Sapphire Reserve® | $550 (rates and fees) |
| Best for Southwest flyers | Southwest Rapid Rewards® Priority Credit Card | $149 (rates and fees) |
| Best for Hyatt fans | The World Of Hyatt Credit Card | $95 (rates and fees) |
| Best for 0% intro APR | Chase Slate Edge℠ | $0 |
| Best for building credit | Chase Freedom Rise℠ | $0 |
Best Chase Credit Card For Families
$95
N/A
19.99% - 28.24% Variable
Earn 60,000 bonus points
Good to Excellent
Pros
Cons
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Chase Sapphire Preferred- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
The Chase Sapphire Preferred® Card is best for families seeking a single credit card that does everything pretty well. It earns great rewards on most everyday expenses and offers strong purchase protections for a moderate $95 annual fee.
Bonus categories include family-friendly expenses such as online groceries and travel purchased through Chase Travel℠ .
The Chase Sapphire Preferred's top-tier travel insurance benefits are particularly helpful for families who may need to postpone or cancel trips last-minute if the kids get sick or bad weather is on the horizon.
New cardholders can earn a generous welcome offer right now: 60,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
Best Chase Credit Card for Cash Back
$0
0% intro APR on purchases and balance transfers for the first 15 months
18.99% - 28.49% Variable
Earn a $200 bonus
Good to Excellent
Pros
Cons
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
The Chase Freedom Unlimited® is a fantastic cash-back credit card for single-card households and reward maximizers alike. It earns a minimum of 1.5% back per dollar spent and has no annual fee, making this card easy to keep long-term.
It earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
Best Chase Credit Card for Reward Maximizers
The Chase Freedom Flex® is best for people who don't mind a little extra work to earn big rewards.
Cardholders can enroll to earn 5% cash back on up to $1,500 across select quarterly bonus categories (then 1%). The card also earns 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and unlimited 1% cash back on all other purchases, and 5% cash back on travel purchased through Chase Travel℠.
New Chase Freedom Flex cardholders get a 0% intro APR on purchases and balance transfers for the first 15 months, then 18.99% - 28.49% Variable APR.
Learn more in our Chase Freedom Flex credit card review.
Pro tip: The Chase Freedom Unlimited® also offers a 0% intro APR period. If you can't decide between the two cards, read our guide to the Chase Freedom Flex vs. Chase Freedom Unlimited.
Best Chase Credit Card for Travelers
$550
N/A
20.24% - 28.74% Variable
Earn 60,000 bonus points
Good to Excellent
Pros
Cons
If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.
Chase Sapphire Reserve- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
- Member FDIC
The Chase Sapphire Reserve® is the best card for serious travelers, with premium travel benefits worth significantly more than the card's $550 annual fee.
Cardholders enjoy premium travel benefits including an annual travel credit of up to $300, access to Priority Pass airport lounges and Chase Sapphire Lounges, generous reward earning and redemption rates, complimentary credit card travel insurance, and credit toward TSA PreCheck® or Global Entry application fees.
Pro tip: If you're waffling between the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®, our in-depth Chase Sapphire Preferred vs. Reserve credit card comparison can help you make the right choice.
Best Chase Credit Card for Southwest Flyers
$149
N/A
20.49% - 27.49% Variable
Earn 50,000 points
Good to Excellent
Pros
Cons
If you can make use of the Southwest Rapid Rewards® Priority Credit Card's many benefits and perks, it's well worth the annual fee. Otherwise, have a look at other Southwest cards like the Southwest Rapid Rewards® Plus Credit Card and Southwest Rapid Rewards® Premier Credit Card, which have lower annual fees but the same elevated welcome bonus offer.
Southwest Rapid Rewards® Priority Credit Card- Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
- 7,500 anniversary points each year.
- Earn 3X points on Southwest® purchases.
- Earn 2X points on local transit and commuting, including rideshare.
- Earn 2X points on internet, cable, and phone services; select streaming.
- $75 Southwest® travel credit each year.
- No foreign transaction fees.
- Member FDIC
The Southwest Rapid Rewards® Priority Credit Card is well worth its $149 annual fee if you fly Southwest more than twice a year or regularly travel with your partner, child, or a friend.
Southwest Rapid Rewards® Priority Credit Cardholders get a slew of benefits, including a free checked bag per traveler, which comes in handy as Southwest began charging for checked bags in late May 2025.
The Southwest Rapid Rewards® Priority Credit Card also offers a nice welcome bonus: 50,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
Pro tip: If you have a credit card that earns Chase Ultimate Rewards® points, you can transfer Chase points to your Southwest Airlines account to book award travel.
Best Chase Credit Card for Hyatt Fans
$95
N/A
19.99% - 28.49% Variable
Earn up to 60,000 bonus points
Good to Excellent
Pros
Cons
If you like staying at Hyatt hotels, The World Of Hyatt Credit Card is an excellent complement to Hyatt's generous and competitive loyalty program that offers free nights and a path toward higher-tier elite status. Even if you're not a hardcore Hyatt fan, the card's useful benefits can appeal to most travelers — and make the card worth keeping year after year.
World Of Hyatt credit card- Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
The World Of Hyatt Credit Card makes sense for travelers who stay with Hyatt frequently enough to focus on brand-specific benefits.
This card has an annual fee of $95 and comes with entry-level elite status and boosts to help you earn higher status more quickly.
Cardholders also get an annual free night certificate that can be used at any Hyatt Category 1 to 4 hotels. You also earn a second free night certificate if you spend $15,000 or more on the card within a calendar year.
Pro tip: You don't need this card to book award stays; instead, you can transfer Chase Ultimate Rewards® to your Hyatt account.
Best Chase Credit Card for 0% Intro APR
The Chase Slate Edge℠ has one primary selling point: a long introductory period of 0% APR on new purchases and existing debt, making it one of Chase's best zero-interest credit cards and best balance transfer cards.
Cardholders get 0% intro APR on purchases and balance transfers for 18 months from account opening, then 20.49% - 29.24% Variable APR. But this credit card doesn't earn rewards from spending, and doesn't come with many noteworthy benefits.
Learn more in our Chase Slate Edge card review.
Best Chase Credit Card for Building Credit
The Chase Freedom Rise℠ is the best starter credit card offered by Chase. Specifically designed for people with no credit history at all, this no-annual-fee card earns 1.5% cash back on purchases, which is generous for a starter credit card.
Cardholders who enroll in autopay within 90 days of opening the Chase Freedom Rise℠ earn a $25 statement credit.
What are Chase Credit Cards?
Chase issues some of the best credit cards and the best travel rewards credit cards available to consumers today.
Many Chase credit cards earn Chase Ultimate Rewards® points. Chase points are incredibly useful because they can be redeemed in many ways, and they're worth an average of 1.8 cents apiece according to Business Insider's points and miles valuations.
You'll often get the best value by transferring credit card rewards to airlines and hotels because you can book five-star hotel stays and first-class flights on points instead of paying cash. Chase Ultimate Rewards® points transfer partners include popular airlines and hotels such as Southwest, United, Marriott, and Hyatt.
Chase also issues many cards in partnership with airlines and hotels, which earn points or miles for direct use through the travel brand.
Finally, Chase offers banking, mortgages, and other financial services in addition to credit cards.
Choosing the Right Chase Credit Card for You
When comparing the top Chase credit cards, factors you should consider include the card's rewards and earning potential against annual fees and any additional costs.
You'll also want to consider additional features and flexibility such as travel perks and benefits. If you don't travel very often, for example, you probably shouldn't get an airline or hotel credit card.
Matching card features with your spending habits will also help you maximize your rewards and benefits. For example, if you frequently dine out, a card that earns bonus points per dollar spent at restaurants will help you quickly reach your earning goals.
Chase Business Credit Cards
Chase offers some of the most popular cards available on the market, and that distinction isn't limited to consumer credit cards. If you're a business owner, you can combine rewards between personal and business credit cards for even more rewards.
Our guide to the best Chase business credit cards can help you decide which option is best for your company's needs.
Chase Co-Branded Airline and Hotel Cards
Chase offers many co-branded credit cards with popular airlines and hotel chains such as United, Southwest, Marriott, and Hyatt.
These cards offer specific benefits and rewards for brand loyalists, such as points for travel and stays, and automatic elite status.
We don't often recommend co-branded airline credit cards or hotel credit cards because their rewards aren't as versatile as cash back or flexible points and miles.
But Southwest credit cardholders earn generous rewards on flights and other airline purchases that count toward the Southwest Companion Pass — one of the most valuable travel benefits around.
If you earn 135,000 Southwest Rapid Rewards points within a calendar year, you can bring a designated companion with you on every flight you take for just the cost of taxes and fees, which can be as low as $5.60 per one-way flight.
Chase Credit Card Customer Reviews
We've shared our top insights here, but consumer feedback is also really important to consider when evaluating your next credit card.
Business Insider's personal finance experts scoured Reddit, FlyerTalk, and other popular forums to summarize common themes from current cardholders.
Chase cardholders love how easy it is to use Chase Ultimate Rewards for different redemptions.
If you want a single card with no annual fee that earns cash-back rewards, Reddit cardholders say the Chase Freedom Flex® or the Chase Freedom Unlimited® work well for most everyday spending categories.
If you're open to holding more than one Chase card, pairing either of the cards mentioned above with a Chase Sapphire Preferred® Card or Chase Sapphire Reserve® can expand your redemption possibilities.
Chase Trifecta: Combining Chase Credit Cards to Maximize Rewards
Combining two or more cards with different bonus categories and benefits for maximum rewards is a popular strategy among Chase card aficionados.
The so-called "Chase trifecta" refers to choosing three Chase cards that earn bonus rewards on almost every category of everyday spending, thus unlocking the best opportunities for extra points.
You can create your own Chase trifecta from any three cards. A particularly effective trio combines a card with rotating bonus categories like the Chase Freedom Flex®, a flat-rate rewards card like the Chase Freedom Unlimited®, and a travel rewards card like the Chase Sapphire Preferred® Card. This particular trifecta also costs only $95 in annual fees from the Chase Sapphire Preferred® Card, since the other two cards have no annual fees.
While there are countless ways to create your own trifecta to maximize Chase earning opportunities, this $95 trio is a great place to start.
Travel Rewards or Cash Back? How to Decide
The best Chase credit card will be the one that fits your lifestyle. If you travel frequently, cards like the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® are a no-brainer for their generous rewards, flexible redemptions, and travel protection benefits.
If you don't travel often, the Chase Freedom Flex® can be a much better choice for your household. Young families particularly benefit from this no-annual-fee card because it earns 3% back on restaurants and drugstore purchases — frequent expenses for many households, according to online feedback.
The Chase Freedom Flex® also comes with cellphone protection and trip cancellation/interruption insurance, which is helpful if a family vacation needs to be canceled for health reasons or severe weather conditions.
Why You Should Trust Us: How We Chose the Best Chase Credit Cards
Chase issues many extremely valuable credit cards. We landed on the best of the best in this post by only including cards with one or more of the following attributes:
- A sizable welcome bonus
- Above-average return rates
- Valuable ongoing benefits
We evaluated the pros and cons of each credit card in narrow categories to determine which card offers the highest upside for each financial situation.
Here's more about how we rate credit cards at Business Insider.
FAQs
Why are Chase credit cards so popular?
Chase credit cards are extremely popular because they offer great customer service, one of the best rewards programs available, and competitive earning rates on various spending categories. Many Chase credit cards also provide additional benefits such as purchase protection, travel insurance, and access to exclusive events and experiences.
What's the most underrated Chase credit card?
Chase Freedom credit cards like the Chase Freedom Unlimited® and the Chase Freedom Flex® are some of the most underrated. They have no annual fees, earn valuable rewards on many common expenses, and offer strong financial benefits for the cardholder.
What is the best credit card offered by Chase?
The Chase Sapphire Preferred® Card is one of the best credit cards for most people because it offers top-tier benefits and generous rewards on common spending categories for a low annual fee. Another winner is the Chase Freedom Unlimited®, which earns easy cash back on many expenses without an annual fee.
Which Chase card is hardest to get?
The premium Chase Sapphire Reserve® requires excellent credit and costs $550 per year. Frequent travelers who value complimentary airport lounge access and the best trip insurance in the industry will be able to maximize the benefits on this card.
Which Chase card should I get first?
The Chase Freedom card series is fantastic for first-time cardholders. If you have no credit whatsoever, apply for the Chase Freedom Rise℠ in person at a Chase bank branch. People who have already built out some credit history can benefit from the Chase Freedom Flex®, which earns up to 5% cash back on certain categories when enrolled, or the Chase Freedom Unlimited®, which earns a flat 1.5% cash back on everything.
